Ok just to get this right, swear.txt is formated as so, on the first line there is a bunch of words seperated by spaces each is a swear word it might look like this (ps below you see some real nasty things to call people!!!!)
tinkywinky poe sclub7 hi5

OK the problem i think is in you trying to explain what you want to do, do you want it to kick/ban with this
(1) I love hi5's sound becuase its got hi5 in the sentence
and/or
(2) I love tin*ywinky becuase its got the word tinkywinky with a letter replaced with a *
and/or
(3) I love tinkyw$i%y becuase its got the word tinkywinky with a letters replaced with a other characters